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All Journal Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia
Akhmad Nurasikin
Universitas Wahid Hasyim
Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Tinjauan Hukum Ekonomi Syari’ah: Take Over Pembiayaan Mikro Bank Syari’ah Akhmad Nurasikin; Tri Handayani
Iqtisad: Reconstruction of justice and welfare for Indonesia Vol 8, No 2 (2021): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v8i2.5674

Abstract

Although Indonesia is still facing formidable challenges due to the Covid-19 pandemic, the distribution of financing in the MSME sector and the micro segment continues to increase. "This shows that BSI continues to support the growth of MSMEs in the midst of the pandemic storm. Until June 2021, MSME financing at BSI was recorded at 36.82 trillion rupiah. Therefore, the authors are interested in conducting research with the title "Review of Islamic Economic Law Take Over Sharia Bank Microfinance". The purpose of this study is to analyze the TO process of microfinance in Islamic banks and its legal review. The research method used is descriptive analytical while the approach uses empirical juridical and data collection by literature study, interviews and observations. The results of the study stated the views of several scholars and sharia economists regarding the Qardh wal Murabahah contract used as a permissible contract, but in practice it must be subject to strict supervision. The Micro Financing Take Over process is guided by the DSN-MUI Fatwa Number: 31/DSN-MUI/VI/2002 concerning Debt Transfer (Alternative 1) and has become a positive law through Bank Indonesia Regulations (PBI). The legal consequence of this Qardh wal Murabahah contract is that the right of the first customer as a guarantee right holder is legally transferred to the new customer as stated in the Mortgage Certificate (SHT) and Fiduciary Guarantee Certificate.Walaupun Indonesia masih menghadapi tantangan yang berat akibat pandemi Covid-19, namun penyaluran pembiayaan di  sektor UMKM dan segmen mikro terus meningkat. “Ini menunjukkan BSI terus mendukung pertumbuhan UMKM di tengah badai pandemi. Hingga Juni 2021, pembiayaan UMKM di BSI tercatat sebesar 36,82 triliun rupiah. Oleh karena itu penulis tertarik melakukan penelitian dengan judul ”Tinjauan Hukum Ekonomi Syariah Take Over Pembiayaan Mikro Bank Syari’ah”. Tujuan penelitian ini ialah untuk menganalisis proses TO pembiayaan mikro di bank syari’ah dan tinjauan hukumnya, Adapun Metode penelitian yang digunakan bersifat deskriptif analitis sedangkan pendekatannya menggunakan yuridis empiris dan pengumpulan data dengan studi kepustakaan, wawancara dan observasi. Hasil penelitian tersebut menyatakan pandangan beberapa ulama’ dan pakar ekonomi syari’ah mengenai akad Qardh wal Murabahah yang digunakan merupakan akad yang dibolehkan, namun dalam praktiknya harus mendapat pengawasan yang ketat. Proses Take Over Pembiayaan Mikro berpedoman pada Fatwa DSN-MUI Nomor: 31/DSN-MUI/VI/2002 tentang Pengalihan Utang (Alternatif 1) dan menjadi hukum positif melalui Peraturan Bank Indonesia (PBI). Akibat hukum dari akad Qardh wal Murabahah ini ialah hak nasabah pertama sebagai pemegang hak jaminan beralih secara hukum kepada pihak nasabah baru yang tertuang dalam Sertifikat Hak Tanggungan (SHT) dan Sertifikat jaminan Fidusia.
Strategi Pemasaran Pembiayaan Warung Mikro Bank Syariah Mandiri KC. Kendal Akhmad Nurasikin
Jurnal Iqtisad Vol 6, No 2 (2019): IQTISAD
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v6i2.3146

Abstract

Abstract The development of Micro Small Enterprises (SMEs) annually increasing. This is due to the high interest of the community, especially the SMEs who want to start a business. One of the problems faced is the limited capital owned. Bank Syariah Mandiri (BSM) is present as a solution to answer the capital problems of SMEs by offering microfinance through Micro Stalls (Warung Mikro). This study aims to find out how the implications of the marketing strategy are with the approach to the marketing mix (product, price, place and promotion) of BSM micro stalls and analyze their strengths and weaknesses. Based on the results of research conducted by the author, that the marketing strategy carried out has positive implications for the progress of the business of its customers and increases the financing portfolio of Micro Stalls, BSM KC, Kendal. The advantages of the products include Principles and agreements in accordance with the Shari'ah, Limit of financing in accordance with micro segments, The process of applying for financing is relatively easy and fast, minor installments and fixed to maturity, business training and assistance programs for MSEs, using an individual approach and ball pick up system and is located in a area that is relatively close to the micro segment business location. While the disadvantages of financing Micro Stalls, BSM KC, Kendal, among others; the lack of employees who master shari'ah transactions, inadequate facilities and promotions is still monotonous so it is less efficient.
Analisis Hukum Islam tentang Penyelenggaraan Shalat Jumat dan Ibadah di Masjid dalam Situasi Tanggap Darurat Covid-19 Imam Khoirul Ulumuddin; A. Saiful Aziz; Tri Handayani; Akhmad Nurasikin
Jurnal Iqtisad Vol 9, No 1 (2022): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v9i1.6569

Abstract

AbstractThe year 2020 is a year that worries people all over the world with the outbreak of the Corona Virus Disease 2019 (COVID-19), and Indonesia is no exception. The rapid spread of the Corona Virus (Covid-19) has caused various problems in all aspects of life, including the issue of holding public worship. This study aims to analyze the Central Java MUI Tausiah Number: 02/DP-P.XIII/T/IV/2020 related to the implementation of Friday prayers and worship at the mosque in the Covid-19 emergency response situation. This research is a type of literary research (library research). , using a qualitative method with a descriptive approach to the analysis of Islamic law, namely describing and studying the problem using the study of Islamic law, then analyzing it. The results of the study conclude that the Central Java MUI Tausiah Number: 02/DP-P.XIII/T/IV/2020 is not only based on naqli and aqli arguments, but also through several considerations, including an appeal from WHO which is a world health organization and also the decision of the Regional Government through its Covid Cluster, so that in distributing tausiah, it has been carefully discussed and not arbitrarily circulated. Differences of opinion in accepting decisions are sunnatullah that cannot be avoided, so there needs to be a wise attitude in dealing with this.Keywords: Friday prayer; Worship in the Mosque; Covid-19 EmergencyAbstrakTahun 2020 merupakan tahun yang mengkawatirkan masyarakat seluruh dunia dengan adanya wabah Corona Virus Disease 2019 (COVID-19), tak terkecuali di Indonesia. Penyebaran Virus Corona (Covid-19) ini yang begitu cepat menimbulkan berbagai permasalahan di segala aspek kehidupan, tak terkecuali dalam masalah penyelenggaraan ibadah di muka publik. Penelitian ini bertujuan untuk menganalisis Tausiah MUI Jawa Tengah Nomor: 02/DP-P.XIII/T/IV/2020  terkait penyelengaraan shalat jumat dan ibadah di masjid dalam situasi tanggap darurat covid-19, Penelitian ini merupakan Jenis Penelitian literer (library research), menggunakan metode kualitatif dengan pendekatan deskriptif analisis hukum Islam, yakni mendeskripsikan dan mengkaji permasalah menggunakan kajian hukum Islam, kemudian menganalisisnya. Hasil penelitian menyimpulkan bahwasannya Tausiah MUI Jawa Tengah Nomor: 02/DP-P.XIII/T/IV/2020 tidak hanya berdasarkan dalil-dalil naqli dan aqli, dan juga melalui beberapa pertimbangan, diantarannya adalah himbauhan dari WHO yang merupakan organisasi kesehatan dunia dan juga keputusan Pemerintah Daerah melalui Gugus Covidnya, sehingga dalam mengedarkan tausiah memang sudah digodok secara matang dan tidak sembarangan untuk diedarkan. Perbedaan pendapat dalam menerima keputusan memang merupakan sunatullah yang tidak bisa dihindari, sehingga perlu adanya sikap yang bijaksana dalam menyikapi hal tersebut.
Pelatihan Manajemen Keuangan bagi Santri Menuju Kemandirian Pondok Pesantren Akhmad Nurasikin; Kholid Masyhari; Ali Imron
Dimas: Jurnal Pemikiran Agama untuk Pemberdayaan Vol 22, No 1 (2022)
Publisher : LP2M of Institute for Research and Community Services - UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (222.697 KB) | DOI: 10.21580/dms.2022.221.10794

Abstract

Finance is one of the resources that directly support the effectiveness and efficiency of Islamic boarding school education management. The independence of Islamic boarding schools is also one of the priority programs of the Ministry of Religious Affairs in 2021. This can be achieved by improving the quality of management/management of Islamic boarding schools, especially professional, effective, efficient, transparent, and accountable financial management. Financial Management Training for Santri towards independence of Islamic Boarding Schools using Participatory Action Research (PAR). That is, all stakeholders actively review current actions to make changes and improvements for the better. The results of community service that have been carried out are that the stages of Islamic boarding school financial management are planning (budgeting), implementation (Accounting), and evaluation (Auditing). Boarding schools of Islamic boarding schools receive assistance in the preparation of the RKAPP (Islamic Boarding School Activity and Budget) or RAPBPP (Islamic Boarding School Revenue and Expenditure Budget Plan) in 2022. It is hoped that the financial management of Islamic Boarding Schools will be more transparent and accountable. The author's suggestion is that it is necessary to improve the RKAPP and evaluation of financial management this year as a reference for the preparation of the RKAPP in the following year. Keuangan/Financial menjadi salah satu sumber daya yang secara langsung mendukung efektifitas dan efisiensi pengelolaan pendidikan pondok pesantren. Kemandirian Pondok pesantren juga menjadi salah satu program prioritas Kementerian Agama tahun 2021. Hal ini dapat dicapai dengan peningkatan kualitas manajemen/pengelolaan pesantren khususnya pengelolaan keuangan yang profesional, efektif, efisien, transparan dan akuntabel. Pelatihan Manajemen Keuangan bagi Santri menuju kemandirian Pondok Pesantren menggunakan Participatory Action Research (PAR). Artinya, semua pihak yang berkepentingan (stakeholders) secara aktif meninjau tindakan saat ini untuk membuat perubahan dan perbaikan ke arah yang lebih baik. Hasil pengabdian masyarakat yang telah dilaksanakan adalah beberapa tahapan manajemen keuangan pondok pesantren yang harus dilaksanakan yakni perencanaan (budgeting), pelaksanaan (Akunting) dan evaluasi (Auditing). Pengurus pondok pesantren mendapat pendampingan penyusunan RKAPP (Rencana Kegiatan dan Anggaran Pondok Pesantren) atau RAPBPP (Rencana Anggaran Penerimaan dan Belanja Pondok Pesantren) tahun 2022. Harapannya pengelolaan keuangan Pondok Pesantren semakin transparan dan akuntabel. Saran penulis, perlu penyempurnaan mengenai RKAPP dan evaluasi pengelolaan keuangan di tahun ini sebagai acuan penyusunan RKAPP di tahun berikutnya.
Co-Authors A. Saiful Aziz Ali Imron Kholid Masyhari Tri Handayani Ulumuddin, Imam Khoirul